Author: Denis Funk

If you asked me what the best invention is after sliced bread, then you know that for me it’s the credit card. When managed carefully and as required, it is one thing that can make life very much easier. But if misused, a credit card can be a highway towards you drowning into depths which can at times be a challenge for one to recover from. All we are always supposed to remember is that are meant to assist us to spend then pay later.

Ensure prompt payment

Even though this may seem like a cliche, you can never overemphasize its importance. Even though you may think that most people already know this, you will be surprised at the number of individuals who miss making payments for their bills on the required dates. One is always encouraged to make sure that all the bills are paid promptly every month without missing. If you do forget, it is necessary to set the alarm, which will ensure that you have made your credit card payments before its due date.

Have fewer cards

It is always advisable that you are conscious of the cards that you own at any one given time. But if you are the type of person who can afford to pay for many cards, then go on and get as many of them as you can. But if you are a man of fewer means, owning a large number of cards is one way that you can get yourself into some serious debts. It is important to operate as few credit cards as possible as they are easy to manage.

Maintain a purchases record

Always ensure that you know the exact amount of money that you have spent each time you use your card. This will ensure that you are in control every time. The very dire mistake that you can ever commit is failing to keep track of your card expenditure as you are driving yourself into debts. To avoid this, always ensure that your spending is on track.

Do not overspend

One of the major challenges that have been brought about by credit cards is that they are easy to use. And their policy of use, that of spending now and paying later is a very dangerous one. Thus even if you are paying via card, it is always advisable to always not to overspend Ensure that you can be able to pay whatever you spend earlier. Ensure that you budget your expenditure in a way that you can save something for future use.

Never lend your card

It is unacceptable to give out your card. Be it your spouse, children or parents. If it is inevitable, ensure that the person you are giving is a responsible person.

Some other tips include: not making high-value payments using it, not using credit cards unnecessarily, and ensuring that you use cash even though you have a credit card.…

When we talk about living a healthier lifestyle some people think that it involves a lot of adjustments in their diet and maybe changing their daily routine. You may find that those who are overweight tend to go to the gym even five times a week with the aim of losing their weight. Things do not work like this. Some people think that giving up fried food and adopting steamed and tasteless foods is the solution to their problems.

Living a healthy lifestyle does not mean that you adopt a new lifestyle and do away with your usual style of life. When you want to be healthy, you have to make small adjustments and not exaggerate anything. Some people imagine that the process can be so tiresome and involves a lot, but this is precisely the opposite of what it is. If you need to be healthy, then you should take the smallest steps and watch out for the outcome after a short period. Below are some of the simple steps to a healthier lifestyle.

Start by walking

One of the simplest ways of living a healthier lifestyle involves walking. If you have been using an elevator, for example, you can decide to use the stairs. Do you need a taxi always? You can start by walking a few miles after which you can take a cab. You should start by walking shorter distances and increase your movement every day. Before you get to the point of going to the gym, start by trying something as simple as walking because it will make you move some of your body parts.

Eat a lot of fruits

Whenever you are hungry, whenever you are watching, and whenever you are idle, it is good for you to get some nuts or fruits instead of snacks. Instead of always buying some potato crisps, chips, and maybe chocolate, you can replace that with groundnuts and watermelons. This is another simple step for you to live a healthy lifestyle because fruits and nuts have flavor, they can be packed easily, and you can eat them easily as well. If you eat nuts such as almonds, for example, they have health benefits in that they are so good for your heart.

Drink a lot of water

Water is good for your health, and one is advised to drink at least eight glasses a day. When some people hear of water, they think that you should stop taking juice or soda and replace it with water. This is not really the case. All I mean is, you should take a lot of water compared to the amount of juice or soda you take. Water lacks the calories present in your juice and any other soft drinks that you consume.

Fish is a good start

Most people enjoy eating beef, pork, and mutton. It is advisable that you replace the red meat in your diet with white. If you do a lot of red meat, choose certain days for you to consume fish. You can start by once and continue up to thrice a week.…